欢乐生肖

 

构建“区块链+”金融服务体系 助推未来智慧京行发展

欢乐生肖SUIZHEHULIANWANGJISHUDEXUNSUFAZHANYIJIKEJIDEBUDUANCHUANGXIN,RENGONGZHINENG、DASHUJU、QUKUAILIANDENGYIXILIEXINJISHUDEYONGXIANZHENGZAIZHONGSUQUANQIUJINRONGFUWUTIXI,YINXINGYEZHENGSHIJINRULE“JINRONGKEJI”DEQUANXINSHIDAI。QIZHONG,QUKUAILIANJISHUYITEYOUDEFENBUSHI、QUZHONGXINHUA、BUKECUANGAI、YONGXUCUNCHU、ZHINENGHEYUEDENGTEXING,BEICHENGWEI“XINRENDEJIQI”,CHUANGZAOCHUGUANGKUODESHICHANGXIANGXIANGKONGJIAN,XUNSUCHENGWEIQUANQIUKEJIGUANZHUREDIAN。

QUKUAILIANZUOWEIXIAYIDAIQUANQIUXINYONGRENZHENGHEJIAZHIHULIANWANGDEJICHUJISHUZHIYI,SHOUDAOLEZHENGFUJIGUAN、JINRONGJIGOU、KEJIGONGSIDENGDEGAODUZHONGSHI。QIYINGYONGBIANBUZHIFUQINGSUAN、ZHENGQUANJIAOYI、ZHISHICHANQUANGUANLIYIJIZHINENGFANGCHANJIAOYIDENGZHONGDUOLINGYU。2016NIANGUOWUYUANFABUDE《“SHISANWU”GUOJIAXINXIHUAGUIHUA》JIANGQUKUAILIANJISHUYURENGONGZHINENG、XUNIXIANSHIDENGYITONGDINGYIWEIZHANLVEXINGQIANYANJISHU。

BEIJINGYINXINGJIJIGENJINQUKUAILIANJISHUFAZHANQUSHI,WENBUTUIJINJISHUYANJIUYUPINGTAIJIANSHE,YIHANGSHIQUKUAILIANFUWUNENGLIWEIJICHU,YITUIDONGQUKUAILIANJISHUGENGHAODIFUWUYUYEWUFAZHANWEISHIMING,YIGOUJIAN“QUKUAILIAN+”JINRONGFUWUTIXIWEIMUBIAO,YU2017NIAN12YUEWANCHENGLEQUKUAILIANJISHUPINGTAIDENENGLIJIANSHE,BINGJIJITUIDONGQUKUAILIANJISHUYUYEWUCHANGJINGDESHENDURONGHE。

一、定位金融服务,构建区块链技术服务能力

QUKUAILIANZUOWEIXIAYIDAIQUANQIUXINYONGRENZHENGHEJIAZHIHULIANWANGJICHUXIEYIZHIYI,SHOUDAOLEZHENGFUJIGUAN、JINRONGJIGOU、KEJIGONGSIDENGDEGAODUZHONGSHI。QIYINGYONGBIANBUZHIFUQINGSUAN、ZHENGQUANJIAOYI、ZHINENGHEYUE、ZHISHICHANQUANGUANLIYIJIZHINENGFANGCHANJIAOYIDENGZHONGDUOLINGYU。WOXINGZI2016NIANQIZUJIANLEQUKUAILIANJISHUCHUANGXINTUANDUI,DUIQUKUAILIANJISHUDEGONGSHISUANFA、LIANSHICUNCHUJIEGOU、GONGSIYAOJIAMITIXI、DIANDUIDIANCHUANSHUDENGHEXINJISHUKAIZHANSHENRUXUEXIYUYANJIU,BINGZAI《ZHENGXIN》、《ZHONGGUOJINRONGDIANNAO》、《QINGHUAJINRONGPINGLUN》DENGXINGYEHEXINQIKANFABIAOLEZHUANXIANGWENZHANG。

ZAIDUIQUKUAILIANJISHUJINXINGLECHONGFENDEDIAOYANHOU,JISHUTUANDUIZHESHOUJINXINGQUKUAILIANJICHUPINGTAIDEDAJIAN,YIKEJIZHILIWEISHIXIAN“QUKUAILIAN+”JINRONGFUWUTIXICHUBEIJISHUNENGLI。BINGCHENGZIZHUZHANGKONGDEYUANZE,ZIZHUSHEJILEFUHEJINRONGJIFUWUDEQUKUAILIANPINGTAIJIAGOU,CONGXITONGBUSHU、ZONGHEXINGNENG、TUOZHANNENGLIDENGDUOWEIDUZHIDINGLEPINGJIATIXI,BINGYIJUCIPINGJIATIXIKAIZHANJISHUXUANXINGHEYANZHENGXINGCESHIGONGZUO,TONGGUODINGZHIHUASHEJIYUYANFA,QUEDINGZUIZHONGJIEJUEFANGAN。GAIJISHUFANGANSHOUPITONGGUOGONGXINBUXINTONGYUANKEXINQUKUAILIANCEPING,BINGZAIXINGNENG、GONGNENG、GUANLIDENGFANGMIANDEFENMINGLIEQIANMAO。

欢乐生肖LIJINGJINYINIANDEYANJIUYUSHISHI,WOXINGQUKUAILIANPINGTAIYU2017NIAN12YUE5RISHUNLITOUCHAN,ZHICIWOXINGJUBEILEWANZHENGDEQUKUAILIANPINGTAISIYOUYUNFUWUNENGLI。GAIPINGTAICAIYONGXUNIHUAYUNBUSHUFANGSHI,SHIWOXINGSHOUCISHIXIANKUASHUJUZHONGXINBUSHUDEFENBUSHIXITONG,SHIXIANLIANGDISANZHONGXINLIUJIEDIANDESHISHISHUJUTONGBU。WOXINGCAIYONGYENEIZUIZHULIUDEBAIZHANTINGRONGCUOSUANFAGONGSHIJIZHI,ZHICHISIYOULIAN、LIANMENGLIANDENGDUOZHONGYEWUCHANGJING;FENBUSHIDEBUSHUFANGSHISHIDEJISHIFASHENGZIRANZAIHAIHUOBUFENJIEDIANYICHANG,XITONGRENGKEYIZHENGCHANGYUNXING,JUYOUHENQIANGDEJIANZHUANGXING;TONGSHI,XITONGPEIYOUKESHIHUAJIANKONGSHESHI,NENGGOUSHISHILEJIEJIEDIANYUNXINGZHUANGKUANG、QUKUAISHENGCHENGZHUANGKUANG、QUKUAIXINXIDENG,YIYUWEIHU。

二、赋能客户权益,驱动客户服务转型升级

欢乐生肖SHANGYEYINXINGDUIQUKUAILIANDEYANJIUYIJINGZOUCHUJISHUXUEXI、CHANGJINGTANTAOHECHUBUTANSUODEJIEDUAN,QUKUAILIANJISHUKAISHIZHUBUXIANGJINRONGYEWUFUNENG。WOXINGJIJITANSUOQUKUAILIANJISHUYUYEWUDESHENDURONGHE,ZAI2018NIANSHIXIANLEQUKUAILIANPINGTAIYULINGSHOUKEHUQUANYIGUANLIXITONGDEDUIJIE,BINGFENBIEZAI3YUEHE11YUESHIXIANLEWOXINGGUIBINKEHUQUANYI、GERENKEHUJIFENLIANGXIANGZENGZHIFUWUDESHUJUSHANGLIAN。JIYUQUKUAILIANJISHUDESHUJUFENBUSHIKEXINCUNCHU、XINXIGONGXIANG、YIJISHUJUKESUYUANDETEXING,SHIYONGHUQUANYIHEJIFENDEJIAOYIGUOCHENGGENGJIAZHENSHIKEXIN、JIANDANBIANJIE,BAOZHENGLEGERENKEHUZENGZHIFUWUDETOUMINGYUANQUAN。

LINGSHOUKEHUQUANYIGUANLIXITONGDEJIANSHESHIXIANLEDUIWOXINGLINGSHOUKEHUZENGZHIFUWUDETONGYIGUANLI,JINYIBUTISHENGLELINGSHOUKEHUDEFUWUTIYAN,SHIXIANFUWUGUANLIXITONGHUA、FUWUDUIHUANZIYOUHUA、FUWUYINGYONGZHINENGHUA。CIXIANGMUDEJIANSHEBAKEHUQUANYIHEJIFENDECHANSHENGHEDUIHUANDEMEIYIBILIUSHUIDOUJILUDAOQUKUAILIANSHANG,SHIKEHUQUANYIHEJIFENDESHIYONGGENGJIAZHENSHI、KEXIN,CHONGFENTIXIANLEWOXINGCAIFUJINRONGHEZHIHUIJINRONGDELINIAN,WEILINGSHOUYEWUDEFAZHANTIANZHUANJIAWA。

三、促进合作共享,构建跨金融机构的区块链联盟

QUKUAILIANDEQUZHONGXINHUA,SHISHIXIANZHENZHENGGONGXIANGJINGJI(ERFEIZHURUGONGXIANGDANCHE、DIDIDENGYOUZHONGJIEFANGTIGONGSHEBEIYUFUWUDESHIYONGQUANJINGJI)DELIXIANGJIEJUEFANGAN。YINCI,JIYUQUKUAILIANJISHUJIANLIHEZUOLIANMENG,NENGGOUSHIXIANDUOFANGDEYEWUXIEZUOYUSHUJUGONGXIANG,DAPOXINXIGUDAO,CHUANGJIANQUANXINDELIANMENGSHANGYESHENGTAI。WOXINGJIJITANSUOSHIHECAIYONGQUKUAILIANJISHULAIKAIZHANYEWUHEZUODEYINGYONGCHANGJING,BINGYUDUOJIATONGYEJIGOUGONGTONGJIAOLIUYUYANJIUYEWUCHANGJINGHEZUO、KUALIANJISHUJIEJUEFANGAN,TANTAOGONGYINGLIANJINRONG、ZHENGXIN、XINYONGZHENGDENGYEWULUODIKEXINGXING。

TONGSHI,WOXINGYUTONGYEJIGOUZAIHULIANWANGHUANJINGXIADAJIANLE“JIYUQUKUAILIANDEKEXINDIANZIPINGZHENGXITONG”DELIANMENGLIAN,WANCHENGPOSQUANYEWULIUCHENGDEGONGNENGCESHI,KEZHICHIDONGTAIZENGJIALIANMENGCANYUFANG,JIAOYICHENGGONGLV100%,CPUNEICUN、IODENGJISHUXINGNENGZHIBIAOJUNPINGWEN,BINGTONGGUOBAIZHANTINGRONGCUOCESHI、YICHANGHUIFUSHIJIANJUNMANZUSHENGCHANYAOQIU,TONGSHISHANGLIANSHUJUNENGGOUZHICHIKUAJIGOUDEGAOXIAOSUYUANCHAXUN。YANZHENGLEWOXINGQUKUAILIANPINGTAIJUBEIZAIHULIANWANGHUANJINGXIADAJIANLIANMENGLIANDEJISHUNENGLI。

四、激活供应链金融,拓展分行业务营销能力

欢乐生肖QUKUAILIANNENGGOUTISHENGGONGYINGLIANYEWUJIAZHIYIJINGHUODEYEJIEGUANGFANGONGSHI。WOXINGJIYUQUKUAILIANDEJISHUTEXINGHEGONGYINGLIANJINRONGDEYEWUTEDIAN,TONGGUOQUKUAILIANJISHULAISHIXIANGONGYINGLIANZHONGXINXILIU、WULIUHEZIJINLIUDEGONGXIANG。WOXINGJINGYINGDANWEIZAIYEWUTUOZHANGUOCHENGZHONGFAXIAN,GONGYINGLIANHEXINQIYEYUXIAYOUQIYEGAODUGUANZHUJINRONGJIGOUSHIFOUJUBEIQUKUAILIANJISHU,DUIJINRONGJIGOUDEQUKUAILIANFUWUNENGLITICHULEJIAOGAOYAOQIU。YINCI,QUKUAILIANPINGTAIDEGOUJIANCHENGWEIFENXINGYINGXIAODEZHUTUIQI,YOULEQUKUAILIANJISHUDEJIACHI,FENZHIXINGFENBIETICHULE“QUKUAILIAN+”DINGDANGUANLI、CANGDANGUANLIDENGGONGYINGLIANCHANGJINGDEYEWUXUQIU。QUKUAILIANJISHUYIJINGCHENGWEIFENXINGYEWUTUOZHANHECHANPINCHUANGXINDEYOULIZHUASHOU。

五、深入技术研究,助力监管科技新模式

QUKUAILIANJISHUJINGLICONGSHUJUKEXINCUNCHU、ZHINENGHEYUEDAOWEILAIKEXINYUNXINGHUANJINGDENGDUOGEJIEDUAN,JISHUFAZHANRIXINYUEYI,WOXINGTOURULEJISHUGUGANKAIZHANQUKUAILIANJISHUDESHENRUYANJIU,JIJITANSUOJINRONGFUWUJIAZHITISHENGDETONGSHI,YESHENRUYANJIUQUKUAILIANJISHUWEIJINRONGJIGOUZAIPEIHE、LUOSHIJIANGUANGONGZUOZHONGNENGGOUQIDAODEZUOYONG。TONGGUOQUKUAILIANDESHUJUGONGXIANG、FANGCUANGAIYIJIKESUYUANDETEDIAN,KEYIWEIJIANGUANGONGZUODAILAIQIANSUOWEIYOUDEBIANLIHESHOUDUAN,SHIXIAN“CHUANTOUSHI”JIANGUAN。LIRU,ZAILIANNEIPEIZHIYIGEJUYOUZUIGAOQUANXIANDEJIANGUANJIEDIAN,DAPEIJIANGUANFAHANDENGXIANXIALIUCHENGYUJIANGUANSHOUXU,SHIJIANGUANJIEDIANKEYICHAKANDAOGEJIGOUZHANGBENDEQUANBUSHUJU,YOULIBAOZHANGYIFAJIANGUAN、YICHENGXUJIANGUANDETONGSHI,TISHENGJIANGUANSHUIPING,YOUXIAOFANGFANJINRONGFENGXIAN。

QUKUAILIANJISHUDESHENRUYANJIUHEYINGYONGTUIGUANGSHITUIDONGJINRONGKEJIFAZHANDEZHONGYAOZUCHENG,SHIWOXINGTISHENGKEJICHUANGXINNENGLI、DAZAOWEILAIZHIHUIYINXINGDEZHONGYAOJUCUO。WOXINGJIANGCHIXUGENZONGQUKUAILIANJISHUDEZUIXINJINZHAN,JIJICHANGSHIYINGYONGQUKUAILIANJISHUDEJINRONGCHANGJING,WEIWOXINGLIYONGXINJISHUSHIXIANYEWUSHENGJITIGONGCHIXUDONGNENG。

欢乐生肖WEILAIJINRONGKEJIJIANGSHIJIYUDASHUJU、RENGONGZHINENG、QUKUAILIAN、WULIANWANGDENGDUOXIANGJISHUYOUJIJIEHE、GONGTONGZUOYONGDEJIEGUO,MIANDUIXINJISHUDEKUAISUFAZHAN,YINGGAICAIQUJIJIERYOUSHENSHENDETAIDUDUIDAI。WOXINGJIANGJIXUBUDUANSHENHUADUIQUKUAILIANJISHUDEYANJIU,JIAQIANGYUTONGYEJIGOUDEJIAOLIUHEZUO,JIAKUAITUIJINYEWUYINGYONGLUODI,DAZAO“QUKUAILIAN+”JINRONGFUWUTIXI,WEISHIXIANWEILAIZHIHUIJINGXINGDAXIAJIANSHIDEJICHU。

 

应用金融科技提升客户体验,打造智慧化服务生态圈

欢乐生肖SUIZHEDASHUJUJISHUHEDIANZIXINXIJISHUDEXUNMENGFAZHAN,BEIJINGYINXINGDEXINXIHUACHENGDUDAFUDUTISHENG,DUOZHONGYEWUFUWUQUDAORONGRURENMENSHENGHUODEFANGFANGMIANMIAN。TONGSHI,MIANXIANGGEYEWUQUDAOKEHUDEANQUANJIAGOUTIXIYICHUBUJIANCHENG。

生物识别平台

欢乐生肖JINLIANGNIANLAIZHENDUIKEHUDEANQUANSHIJIANLVYOUFASHENG,ANQUANWEIXIEYEBIANDEDUOYANGHUA,WEIBAOZHENGKEHUXINXIJIZIJINDEANQUAN,BEIJINGYINXINGDAJIANSHENGWUSHIBIEPINGTAI,TONGGUOGOUJIANZHIHUIDEANQUANRENZHENGFUWUTIXISHIQINENGGOUDUIBUTONGKEHUMIANLINDEDUOZHONGANQUANWEIXIEZUOCHUYOUZHENDUIXINGDEJIEJUEFANGAN,WEIGEYEWUQUDAOKEHUTIGONGZHIHUIHUA、CHAYIHUADEANQUANFUWU,CONGERQUEBAOKEHUXINXIHEZIJINDEANQUAN。

BEIJINGYINXINGDAJIANSHENGWUSHIBIEPINGTAI,JIANLIQUANXINGTONGYIDESHENGWUCANGKU,ZHICHIRENLIANSHIBIESUANFA、SHENGWENTEZHENGSUANFA,NENGGOUANQUANKUAISUDIWEIDUOZHONGYEWUYIJIGEQUDAOXITONGTIGONGTONGYIDE、DUOYANGDE、WANZHENGDERENZHENGFUWU。GAIPINGTAITONGCHOUGELEISHENGWUSHIBIEJISHU,YISHENGWUTEZHENGWEIJICHU,YISHENGWUSHIBIEJISHUWEIHEXIN,LIYONGRENLIANSHIBIE、YUYINSHIBIEJISHUDENGSHENGWUSHIBIEJISHU,GOUZHUHEWANSHANDUOMOTAI、DUOWEIDUDEJIYUSHENGWUTEZHENGXINXIDERENZHENGTIXI,SHIXIANDUIKEHUSHENGWUTEZHENGXINXITONGYIGUANLI,WEIQUANXINGXITONGTIGONGQIYEJIDE、TONGYIDE、DUOYANGHUADESHENGWUTEZHENGRENZHENGFUWU,ANQUANGUANLIKEHUSHENGWUTEZHENGDECUNCHU、CHULI、JIANSUOHESHIYONG,BAOZHENGSHIYONGSHENGWUTEZHENGDEANQUANXING。

生物识别平台可为各渠道系统提供多种生物识别认证服务,包括人脸识别、声纹识别等,现已对接柜员系统、手机银行及智能机具等渠道。在柜面系统已实现人证合一性比对,手机银行支持人脸登录,可通过人行联网核查系统获取可信图片和核查结果,结合人脸识别技术将现场采集的照片与可信图片进行对比,实现客户智能认证服务,上线以来已累计实现身份认证555万余次,成功识别率为92%。同时,秉承移动优先战略,北京银行声纹识别在手机银行上的落地应用,手机银行用户可通过声纹识别进行转账和购买理财。通过建立统一的生物识别平台,采集的数据可用于实现VIP迎宾以及精准营销等服务的优化,现已采集340万客户的人脸信息以及3.3万客户的声纹信息,能够给客户带来更好服务体验以及更加安全的身份认证服务。

MUQIAN,BEIJINGYINXINGSHENGWUSHIBIEPINGTAIYIJINGZAIZONGFENXINGGEYINGYEWANGDIANTOURUSHIYONG。SUIZHEWEILAIJINYIBUGAIZAOHESHENGJIQUANMIANPUKAI,SHENGWUSHIBIEPINGTAIJIANGSHIXIANYIRENLIAN、SHENGWEN、ZHIWENDENGDUOZHONGSHENGWUSHIBIEJISHUWEIHEXIN,JIANGSHENGWUTEZHENGRENZHENG、CHUANTONGANQUANRENZHENG、ZHINENGSHEBEIRENZHENGHEANQUANYUNSUANFUWUDEYOUJITONGYI,WEIZONGFENXINGTIGONGQUANQUDAO、TONGYIDEANQUANRENZHENGFUWU,LINGHUOYINGDUIJISHUFAZHAN,CHIXUBAOZHANGYEWUANQUAN。

SHENGWUSHIBIEPINGTAIDEJIANLI,GAIBIANXIANYOUDANYIDERENZHENGFANGSHI,WEIKEHUTIGONGZHIHUIHUA、CHAYIHUADERENZHENGFUWU。TONGGUOZHENGHEBEIJINGYINXINGRENZHENGCHANPINZIYUAN,WEIQUANQUDAOTIGONGTONGYIDE、BIAOZHUNHUADE、JIYUQUDAOKELINGHUOPEIZHIDERENZHENGFUWU;KESHEZHIFANGWENKONGZHIGUIZE,TIGONGWANSHANDEFANGWENKONGZHIGUIZE,YIQUEBAOJIAOYIDEANQUANXING、PINGTAIDEANQUANXING;TONGSHIZHICHIDUOMOTAIDUOYINZIRENZHENG,KEGENJUJIERUQUDAOYIJIYEWUCHANGJINGDEXUQIUTIGONGLINGHUODE、KEPEIDEDUOMOTAIYINZIRENZHENGFUWU。

ZUOWEILIZUSHOUDOU、FUWUSHOUDOUDEJINRONGQIYE,BEIJINGYINXINGSHIZHONGBAJINRONGKEJIGAOZHILIANGCHUANGXINFAZHANJIANSHEFANGZAIZHONGYAOWEIZHI,ZHILIYUZHIHUIYINXINGCHANPINYUFUWUDECHUANGXINYUTUIGUANG。WEISHUZIHUAZHUANXINGZHANKAIDUOWEIDU、DUOJIAODUDEKAITUO,JIJITANSUOYUTUIJINKEJIYUJINRONGDESHENDURONGHE,DAZAOZHIHUIHUAFUWUSHENGTAIQUAN,WEIJINRONGXINGYEDEKEJITISUQIDAOYINLINGZUOYONG。

语音交互平台

JINJINIAN,RENGONGZHINENGJISHUFAZHANXUNSU,RENGONGZHINENGYINFADALIANGGUANZHU,AICHENGWEIREDIANHUATI,ERYUYINJIAOHUJISHUJIUSHUYURENGONGZHINENGJISHUZHONGDEYIZHONG。LIYONGYUYINJIAOHUJISHUKESHIXIANYUYINZHUANWENZI,YUYINCAOKONGDENG。YUYINJIAOHUJISHUSHUYURENJIJIAOHUDEFANCHOU,SHIJIYUYUYINSHURUDEXINYIDAIJIAOHUMOSHI,TASHIYONGYUYINZUOWEIYUJISUANJIJINXINGXINXIJIAOHUDEMEIJIE,TONGGUOYUYINJIAOHUJISHU,JIQINENGGOUJUBEINENGTING、HUISHUO、NENGLIJIE、HUISIKAODENENGLI,KEHUTONGGUOZIRANYUYANJIJIQIXIAZHILINGBINGDEDAOFANKUIJIEGUO,SHIXIANZIRAN、LIUCHANGDERENJIJIAOHU。ZUOWEIZHINENGJISUANJIYANJIUDEZHUDAOFANGXIANGHERENJIYUYINTONGXINDEGUANJIANJISHU,YUYINJIAOHUJISHUYIZHISHOUDAOGEGUOKEXUEJIEDEGUANGFANGUANZHU。CONG1952NIANSHIJIESHANGDIYIGESHIBIESHIGEYINGWENSHUZIDESHIYANSHIXITONGDANSHENG,DAO2011NIANPINGGUOSiriFABU,ZAIDAO2014NIANYAMAXUNEchoDETUICHU,YUYINJIAOHUJISHURIYICHENGSHU,ZHUBUCONGSHIYANSHIZOUXIANGSHANGYESHICHANG。YIYUYINJIAOHUKAIFACHUDECHANPINYINGYONGLINGYUFEICHANGGUANGFAN,JIHUSHENRUDAOSHEHUIDEMEIGEXINGYE、MEIGEFANGMIAN,QIYINGYONGHEJINGJISHEHUIXIAOYIQIANJINGFEICHANGGUANGFAN。YANJIUYUYINJIAOHU,KAIFAXIANGYINGDECHANPINYOUZHEGUANGFANDESHEHUIYIYIHEJINGJIYIYI。TEBIESHIJINJINIAN,YUYINJIAOHUCHANPINCENGCHUBUQIONG,YUYINJIAOHUZHENGZAIYINFASHICHANGRECHAO。YUYINJIAOHUJISHUZAIDUOGELINGYUDEDAOYINGYONG,JIAJULINGYUDEZHINENGYINXIANG,CHUXINGLINGYUDEYUYINDAOHANG,BANGONGLINGYUDEYUYINZHUSHOU,YULELINGYUDELIAOTIANJIQIRENDENG。

语音助手是手机端的软件应用,通过语音助手,客户可以实现对手机相关功能以及应用软件的语音操控。语音搜索是利用语音自动发起搜索的技术,能够实现语音转文字的自动搜索功能。语音硬件是集成语音交互模块的智能硬件产品,能够利用语音对智能家居产品进行控制。语音产业规模正在持续扩大,用户量得到显著提升,应用领域也日益广泛,语音交互产品正在逐步深入我们的日常生活和应用中,正在影响和改变我们的交互方式。

交互方式是不断更迭的,从Dos操作系统到图形化界面(GUI)再到移动设备的触控交互,人与机器的交互方式一直在不断更新优化,而语音交互技术作为最自然的交互方式,是未来主流交互方式之一。人先天就具备且适应语音交互的方式,它无需学习,各个年龄段的用户都可以轻松使用,能够创造全新的伴随式的场景。语音交互有以下三大优点。第一是快速,语音是最直接的交互方式,简短的一句话语言中能够包含丰富的信息量,有调查表明,语音的输入比键盘输入快53%。图形界面下设置一个闹钟可能需要30s,而语音交互下只需要5秒。第二是解放双手,语音交互无需手眼的介入,在使用语音交互的同时,我们的手和眼睛能够能够同时完成其他工作,做到一心二用,并且,语音支持远距离的唤醒和交互,使得交互更加便捷。第三是个性化,语音交互能够为客户提供个性化的服务,机器能够根据上下文和背景理解客户的需求,对自己的服务内容进行调整,对应提供灵活、智能化的服务,创造一对一服务场景。

近几年,语音交互技术的技术水平也在不断提升。目前语音识别识别率的最高水平已达到98%接近100%。语音识别的词汇量已突破百万。语音交互技术快速发展在技术条件可以总结成以下三个方面。第一是人工智能算法的突破,近两年以机器学习为代表的人工智能算法发展迅速,语音识别通过使用带预训练的神经网络模型使识别错误率率降低了30%。第二是大数据的灵活应用,大数据时代已积累的大量语料为算法的训练提供了大量的数据基础,三是移动网络的高速发展,移动网络速率的大幅提升为语料的积累和下载提供了技术支撑。简单总结,就是人工智能算法实现了功能上的智能化,大数据形成大量的声学模型,保障识别的成功率,而4G高速网络能将语音快速上传并下载相应的识别结果,保证良好的用户体验。语音交互技术快速发展的业务条件在于一是客户追求更便捷的交互方式,随着客户对智能设备的依赖和人机之间的交互日益频繁,原有的操控方式变得越来越复杂、效率低下,迫切需要一种新的更简便的操作方式改善现有局面。二是市场追求更智能的交互。继智能手机达到市场爆点后,科技行业需要一个新的触发点,以语音交互为基础包括图像、体感在内的第三代人机交互正在加速启动。国内外科技巨头纷纷入局语音交互产品研究与推广,语音产业规模持续扩大。近两年,我国对人工智能产业进行了大力的支持,我国语音交互产品市场热度也在持续提升。三是应用追求更通用的交互。现今应用软件越来越多,入口也越来越多,语音识别能够凌驾于其他所有应用之上,形成一个以语音交互为流量入口的全新应用生态链。

语音交互技术是让机器接收、识别和理解语音信号,并将其转换成相应数字信号的技术。语音交互是涉及很多学科的一门交叉学科,涉及到声学、语音语言学、数理统计、信息理论、机器学习以及人工智能等学科。语音识别、语音合成、自然语言理解是语音交互的三大基础技术,能够完成基本的语音交互流程。语音交互的扩展技术包括语音唤醒、远场识别、多轮对话、情绪识别、语音质检等。

语音交互技术是基于语音输入的新一代交互模式,客户通过自然语言给机器下指令并得到反馈结果。语音交互技术作为除鼠标、键盘、触摸交互外的第四大人机交互技术,由于它自然、便捷、无触控的优点,在近几年引发市场热潮。2018年是语音交互技术爆发的元年,截止11月底,中国智能语音市场规模达159.7亿元,较2017同期增长了152%。语音交互技术在金融领域也得到了广泛应用,近三分之二的金融机构推出语音相关应用服务。

我行语音交互平台于2017年完成平台选型,于18年6月正式投产,对外输出语音交互能力,支撑各类业务的智能语音交互需求,目前已应用于手机银行4.0,提供语音导航和声纹认证服务。我行的语音交互平台具备语音识别、语音合成、自然语言理解、声纹识别功能。语音识别也被称为自动语音识别,其目标是将人类的语音中的词汇内容转换为计算机可读的输入。语音合成是通过机械的、电子的方法产生人造语音的技术。它是将计算机自己产生的、或外部输入的文字信息转变为可以听得懂的、流利的汉语口语输出的技术。自然语言理解是研究用电子计算机模拟人的语言交际过程,使计算机能理解和运用人类社会的自然语言如汉语、英语等,实现人机之间的自然语言通信,以代替人的部分脑力劳动,包括查询资料、解答问题、摘录文献、汇编资料以及一切有关自然语言信息的加工处理。声纹识别是生物识别技术的一种,每个人在说话的过程中,使用的发声器官差异很大,各不相同。因此,通过声纹可以在人类说话的过程中确定人类身份,用于身份识别等功能。这四种功能对应语音交互平台四个子系统,分别为语音识别子系统、语音合成子系统、声纹识别子系统、自然语言理解子系统。其中自然语言理解功能在后端为其他子系统提供支持,保证语音交互平台的智慧性和理解力。

我行的语音交互平台所有语音交互服务部署在我行内网,保证我行的数据不会外泄,系统不与互联网相关,系统进行更新时,直接升级私有云算法,保证我行算法的先进性。以集群的形式搭建语音交互平台,系统支持横向扩展,可进行分布式部署,供各系统进行调用,当并发量达到一定值后,可采用通过增加节点方式提升系统服务能力。语音识别和自然语言理解支持并发数量为30tps,语音合成支持并发数量为15tps,声纹识别支持并发数量为15tps,语音转写并发数量为16tps。

我行的语音识别引擎能够对实时语音和录音文件都能识别,实时返回识别结果,连续语音识别率85%,识别速度小于0.5s。针对的特定专业词汇,语音交互平台具备语音识别训练方式,经过训练后的词汇,语音识别率可以达90%左右。在实际应用时,某些业务场景对有些专业词汇的识别率有比较高的要求,可根据业务场景对识别模型进行声学模型和语言模型的定制训练,训练后在定制词汇领域内,识别率能够有较大幅度的提升,经过训练的定制模型识别率可显著提升。以“京喜宝”为例,在进行定制化训练前,“京喜宝”这个词80%的情况下被识别成同音词惊喜宝,但经过训练,正确的京喜宝的概率达到95%左右。后续随着应用的不断增多,语音识别服务收集到的语料也会增多,利用这些语料对模型进行优化训练,能够不断的提高模型的覆盖率和识别的准确性。语音识别能力的主要的应用场景是语音转写,语音导航等。

我行的声纹认证引擎错误接受率小于1%,错误拒绝率小于3%,认证速度小于1s。我行的声纹识别模式有1对1验证和1对多确认两种方式,我们行手机银行4.0应用的是1对1验证,将说话人模型与注册模型进行比对,验证客户身份。另外,声纹可与指纹、人脸等特征共同建立用户生物认证体系,为用户提供全方位的智能身份认证服务。

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我行的语音交互平台现已落地两项应用,(1)应用于总行会议室,搭建了智能会议室系统,(2)应用于手机银行4.0,实现智能语音交互。总行会议室的智能会议室系统实现实时记录会议纪要功能,支持实时字幕,可分隔词汇时间在0.4秒,提升了会议的智能化水平。手机银行4.0语音交互服务包含语音搜索、语音代入(即语音导航功能)、声纹认证。手机银行欢乐生肖设置语音入口,通过单轮或多轮的对话场景,分析识别客户意图,实现搜索和代入。语音搜索支持通过发起1次语音搜索,返回常用功能、热门活动、常见问题3类搜索结果,2019年3月,语音搜索已占总搜索量的比40%。欢乐生肖语音代入实现了功能菜单扁平化导航,支持转账、理财、缴费等49个业务欢乐生肖语音一句直达。以语音转账为例,只需说出“给XX转账YY元”,即可直接跳转至转账页面,并自动填入收款人及金额。声纹认证应用于转账、理财业务场景,实现智能身份认证,完善了生物认证体系。我行的语音交互平台实现了人机交互的新模式,有助于业务效率、客户体验的提升。